Originally Posted by
AOD_Marrv
When it comes to PSU's the are two schools of thought and they focus around whether you overclock your pc's or not;
The first is if you do not OC, then you can get a larger-than-needed psu and keep using it as its V drops off in its later life
The second is if you do OC as before the V drop you get in the later stages of life you get the voltages the psu producing starting to vary, this is critical for anyone OC-ing as it can fry your CPU/GPU/RAM as the variance nudges your OC's, and can accidentally fry your perfectly tuned setup.
For more information on point 2, you need to look in to how stable voltages are important to OC's and also the ways varying voltages can affect your OC. Which leads us to the
Gold + etc ratings; this means it has been tested for stability at its given V ratings and has passed within x% variance (the % variance determines the Gold/SIlver/Bronze rating).
TL:DR getting a larger PSU for "long term investment" only pans out if you dont OC or dont OC much. Getting a smaller PSU (still with Overhead for upgrades/unexpected events) with Gold+ is better if you do hard OC's (which I expect you do with the 4790K chip)
edit: some other things:
You do not have extra fans etc on your build on partpicker (not sure if you can tbh). But the build comes in at 233w so a 650 should be fine, also noticed you have a bronze cpu picked up, not sure why I thought it was gold...